let's face it, religion is on the slide in terms of the major politics are in the newspaper. let's talk about those. >> i'm not a regulation man but we are fooling with the cycle of life. the cycle of life means you replace yourself for the next generation. western economies rely on growth. you stop growing, you're like a sha shark, you die, we need to do that for the debts we're piling up. what fuels growth is the next generation of young workerings. young workers are not coming into the workforce. look at southern europe with youth unemployment. take 15% youth unemployment in spain and compound that with the fact they stop having babies. what happens in a generation or two. >> i tell you, bill, you got me thinking, i encourage readers to read this. in some of the biggest developed economies pushed the most growth are below a 2% utility rate. this has to be dealt with at some point. back to you. >> thanks, rick. >>> road trip and big bank is in highways an byways in the road for yield. we'll explain how. and actually. the lexus december to remember sales event is on. this is